What is the 13F Pro Quality Score for CACC?

13F Pro ranks CREDIT ACCEPTANCE CORP (CACC) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CACC's current score at https://13fpro.ai/research/CACC (free sign-up required for the full ranking).

Which hedge funds own the most CACC stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of CACC include Prescott General Partners, Boston Partners, GOBI CAPITAL. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/CACC as soon as new 13F filings post.

Where does 13F Pro source CACC data?

All CREDIT ACCEPTANCE CORP fundamentals and ownership data come directly from SEC EDGAR. CREDIT ACCEPTANCE CORP files with the SEC under CIK 885550. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CACC in?

CREDIT ACCEPTANCE CORP (CACC) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

What drives CACC's revenue?

Per CREDIT ACCEPTANCE CORP's latest 10-Q filed with the SEC on 2026-05-05, the biggest revenue drivers are: Finance charges ($538.4M, +2.2% YoY); Other income ($18.4M, -12.0% YoY); Premiums earned ($23.2M, -1.3% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/research/CACC.

What are CACC's largest expenses?

CREDIT ACCEPTANCE CORP's latest 10-Q reports these as the largest expense items: Provision for credit losses ($139.6M, -13.8% YoY); Interest expense ($108.4M, -5.5% YoY); Salaries and wages ($88.6M, 0.0%). Sourced directly from SEC EDGAR filing text for Q1 2026 (quarter ended March 31, 2026).

How often is CACC research updated on 13F Pro?

CACC's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CREDIT ACCEPTANCE CORP(CACC)Stock Analysis

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13F Pro Quality Score

70.6/100

Rank #300 of 2,879 stocksTOP 25%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

65.1/100

Profitability

86.6/100

Balance Sheet

70.5/100

Earnings Quality

77.0/100

Free Cash Flow

92.5/100

Institutional Flow

3.5/100

Revenue Scale

64.9/100

Dilution Risk

39.7/100

CACC Stock Analysis & AI Quality Score

AI stock analysis and institutional research for CREDIT ACCEPTANCE CORP (CACC), a Financials sector company. 13F Pro's AI-powered ranking engine scores CACC at 70.6/100 on a 32-signal composite quality model, placing it at rank #300 of 2,879 stocks — the top 25% of the AI-ranked universe. CACC scores in the top quartile across free cash flow (92.5), profitability (86.6), earnings quality (77.0). Areas of concern include institutional flow (3.5), which score below median versus the broader universe. Shareholder dilution risk is elevated at 39.7/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), CREDIT ACCEPTANCE CORP reports quarterly revenue of $580.0M, net income of $135.8M, free cash flow of $345.5M. Top institutional holders of CACC by reported 13-F value include Prescott General Partners, Boston Partners, GOBI CAPITAL, based on the most recent SEC filings. CACC trades on the Nasdaq exchange and files with the SEC under CIK 885550. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CACC daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CREDIT ACCEPTANCE CORP directly from SEC EDGAR. CREDIT ACCEPTANCE CORP's 13F Pro composite quality score has ranged between 52 and 77 since 2021, currently 70.6 — a stable long-term trajectory across 28 quarterly and live scoring snapshots.

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Fun facts about CREDIT ACCEPTANCE CORP

Quirks, history, and lore behind CACC — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial services company · mid-cap · listed on Nasdaq · headquartered in Michigan.
2
The Numbers
Revenue in the range of $2 billion a year, with unusually high profit margins for its niche — it lends money that most banks won't touch.
3
The History
Founded in 1972, it spent decades quietly building a business around a customer segment the rest of the lending world largely ignored or rejected.
4
The Secret
Its secret sauce is a dealer-partner model — it works through auto dealerships rather than lending directly, sharing the risk and the reward.
5
The Lore
It has been a longtime darling of value investors for its disciplined underwriting and sky-high returns on equity — in a space most investors consider a financial minefield.
6
The Giveaway
It finances car purchases for subprime borrowers — people with damaged or no credit — turning auto dealer lots into its distribution network since the Nixon era.

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What's Driving CACC's Business? Latest 10-Q Breakdown

✓ 38/38 datapoints verified

AI-extracted from CREDIT ACCEPTANCE CORP's 10-Q filed 2026-05-05 — Q1 2026 (quarter ended March 31, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

Credit Acceptance earned $135.8M net income (+27.8% YoY) on $580.0M revenue (+1.6% YoY), driven by a 13.8% decrease in provision for credit losses to $139.6M as Consumer Loan portfolio performance stabilized.

Biggest Revenue Drivers

Total revenue: $580.0M+1.6% YoY

Finance charges$538.4M+2.2% YoY

Increase in average yield on Loan portfolio to 27.3% from 26.7%, primarily due to higher contractual yields on more recent Consumer Loan assignments.

Other income$18.4M-12.0% YoY

Comprises ancillary product profit sharing, interest income, and remarketing fees.

Premiums earned$23.2M-1.3% YoY

Vehicle service contract reinsurance premiums earned over the life of policies.

Largest Expense Items

Provision for credit losses$139.6M-13.8% YoY

Decrease primarily due to forecast changes provision declining from $76.3M to $54.4M; portfolio forecasted collections declined only $9.1M (0.1%) vs. $20.9M in prior year.

Interest expense$108.4M-5.5% YoY

Decrease due to lower average cost of debt (6.9% vs. 7.2%) and lower average outstanding debt balance ($6,271.8M vs. $6,398.3M).

Salaries and wages$88.6M0.0%

Flat compared to prior year period.

Sales and marketing$27.8M+12.1% YoY

Increase primarily due to expansion of sales force and higher advertising expenses.

Margins: Gross margin improved as finance charges grew 2.2% while operating expenses increased only 4.2%. Operating margin expanded materially, with income before taxes rising 23.5% to $175.0M, driven primarily by a $22.3M reduction in provision for credit losses as Consumer Loan portfolio performance stabilized with modest forecast declines.

Watch Items from the Filing

Consumer Loan assignment volume declined 4.3% YoY in Q1 2026 to 95,992 units ($1.1B dollar volume, -4.0% YoY). Average volume per active Dealer declined 6.5% despite 1.7% growth in active Dealers to 10,977, indicating potential demand weakness.
Forecasted collection rates on 2022-2023 vintage loans remain significantly below initial forecasts (59.3% vs. 67.5% initial, and 63.1% vs. 67.5% initial respectively), though 2024-2025 vintages are near initial forecasts, indicating post-pandemic cohorts underperforming.
Multi-state and New York regulatory litigation pending: Company reached preliminary settlement alignment in January 2026 with potential cash payment of $75.5M (up from $45.0M offer in September 2025); discussions ongoing and matter not yet resolved.
On May 5, 2026 (post-quarter), Company completed $450.0M Term ABS financing at 5.2% average annualized cost with 24-month revolving period, maintaining robust access to securitization markets despite litigation risks.
Purchased Loans now represent 30.8% of dollar volume (up from 27.6% at YE 2025) as expansion of Purchase Program access to higher-credit-rating consumers continues; Dealer Loans still 71.7% of net portfolio as of Q1 2026.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q1 2026

$580.0M

Net Income

Q1 2026

$135.8M

Free Cash Flow

Q1 2026

$345.5M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

+13.7% YoY

$2.16BFY 2024

FY21 $1.86BFY22 $1.83BFY23 $1.90BFY24 $2.16B

Net Income

+86647925.2% YoY

$247.9MFY 2024

FY21 $958.3MFY22 $535.80FY23 $286.10FY24 $247.9M

EPS (Diluted)

-9.6% YoY

$19.88FY 2024

FY21 $59.52FY22 $39.32FY23 $21.99FY24 $19.88

Total Assets

+16.4% YoY

$8.85BFY 2024

FY21 $7.05BFY22 $6.90BFY23 $7.61BFY24 $8.85B

Op. Cash Flow

-5.5% YoY

$1.14BFY 2024

FY21 $1.07BFY22 $1.24BFY23 $1.20BFY24 $1.14B

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Revenue	$2.16B +13.7%	$1.90B +3.8%	$1.83B -1.3%	$1.86B +11.2%	$1.67B +12.1%	$1.49B
Net Income	$247.9M +86647925.2%	$286.10 -46.6%	$535.80 -100.0%	$958.3M +127.6%	$421.0M -35.8%	$656.1M
EPS (Diluted)	$19.88 -9.6%	$21.99 -44.1%	$39.32 -33.9%	$59.52 +153.6%	$23.47 -32.1%	$34.57
Total Assets	$8.85B +16.4%	$7.61B +10.2%	$6.90B -2.1%	$7.05B -5.8%	$7.49B +0.9%	$7.42B
Operating Cash Flow	$1.14B -5.5%	$1.20B -2.8%	$1.24B +15.8%	$1.07B +8.5%	$985.2M +21.3%	$812.3M

AI Insight: CACC Financial Trends

Net income recovery from Q2 2024's $-47M loss to $136M in Q1 2026 is encouraging, but equity erosion and slowing revenue signal a plateauing business.

• Net income rebounded sharply from -$47M in Q2 2024 to $136M in Q1 2026, the highest in the observed period.

• Revenue growth has stalled: after rising from $538M in Q2 2024 to $584M in Q2 2025, it has since flatlined near $580M for three consecutive quarters.

• Operating cash flow remains healthy at $347M in Q1 2026, matching the prior high set in Q1 2025.

• Equity declined from $1,750M in Q4 2024 to $1,514M in Q1 2026, a $236M contraction over four quarters.

⚠ Equity has fallen five consecutive quarters from $1,750M to $1,514M — monitor whether buybacks or losses are the primary driver.

⚠ Operating cash flow dropped sharply to $140M in Q2 2025 before recovering — watch for renewed volatility in coming quarters.

⚠ Revenue stagnation around $580M for three quarters warrants monitoring for loan origination trends and credit tightening impacts.

AI Insight: CACC Ratio Trends

Q1 2026 marks a full profitability recovery, with ROIC hitting 46.2% — the highest level in the visible dataset after a sharp Q2 2024 loss.

• ROIC surged from -14.2% in Q2 2024 to 46.2% in Q1 2026, a swing of over 60 percentage points across six quarters.

• Operating margin expanded from -10.3% in Q2 2024 to 30.2% in Q1 2026, with sequential improvement resuming after a Q2 2025 dip to 20.2%.

• ROE climbed to 35.9% in Q1 2026, up from 22.5% in Q2 2025, recovering toward Q4 2024's prior peak of 34.7%.

⚠ Q2 2025 showed a notable mid-cycle dip — OpMargin fell to 20.2% and ROIC to 30.3% — raising questions about seasonal or credit-quality volatility.

⚠ D/E data is absent across all periods; leverage profile remains opaque, a key gap for a consumer auto-finance lender.

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Available Research

13F Pro tracks comprehensive data for CREDIT ACCEPTANCE CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CACC

Prescott General Partners LLC
$608.5M1,436,951 sh
Boston Partners
$237.2M560,208 sh
GOBI CAPITAL LLC
$151.6M358,067 sh
BECK MACK & OLIVER LLC
$130.8M308,984 sh
WELLINGTON MANAGEMENT GROUP LLP
$109.6M258,898 sh
BlackRock, Inc.
$98.1M231,633 sh
Universal- Beteiligungs- und Servicegesellschaft mbH
$98.0M231,331 sh
DIMENSIONAL FUND ADVISORS LP
$97.7M230,715 sh
VANGUARD CAPITAL MANAGEMENT LLC
$90.2M213,031 sh
Smead Capital Management, Inc.
$89.1M210,470 sh

Fund	Value	Shares
Prescott General Partners LLC	$608.5M	1,436,951
Boston Partners	$237.2M	560,208
GOBI CAPITAL LLC	$151.6M	358,067
BECK MACK & OLIVER LLC	$130.8M	308,984
WELLINGTON MANAGEMENT GROUP LLP	$109.6M	258,898
BlackRock, Inc.	$98.1M	231,633
Universal- Beteiligungs- und Servicegesellschaft mbH	$98.0M	231,331
DIMENSIONAL FUND ADVISORS LP	$97.7M	230,715
VANGUARD CAPITAL MANAGEMENT LLC	$90.2M	213,031
Smead Capital Management, Inc.	$89.1M	210,470

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Is CACC a good stock to buy?

13F Pro's AI-powered analysis of CREDIT ACCEPTANCE CORP (CACC) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CACC are available on the CACC stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CACC?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CACC. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CREDIT ACCEPTANCE CORP's investment landscape.